Avoid debt to the extent possible. Student loans and mortgages can be “good debt”, but even then, make paying them off a priority. Evite deudas con mucho plazo de pago

Set a budget. And live by it. Use a computer program or just a paper and pencil. Whatever works. Programe y lleve control de sus deudas. Use un progama como Excel o simplemente papel y lapiz , lo que sea funciona

Set concrete goals. Know when you want to buy a new home, when you want to retire, and how much you are expecting each to cost you. Pongase objetivos concretos. Sepa cuando va a comprar una nueva casa, cuando se va a retirar y cuanto le va a costar cada cosa